Go to insuremytrip.com, and plug in the info they ask......you can do a side by side comparison of the insurance they offer, and decide what is best for you....In the event, you need trip cancellation, lost luggage, or a ship medivac flight, you will be covered.. insurance is a cheap way to get peace of mind, in the event something goes wrong. Do not buy insurance from the cruise line..Go to a 3rd party company, as mentioned.

I already bought insurance through Carnival. What is the disadvantage in that?